Re: Garden Club Meeting - December 2012

I'm just starting to garden again.

Added 2 cards to the wallet in the end of November - Amex Green (YAY AMEX FAMILY) and Best Buy store card. Got a CLI on Freedom, cost me a HP. Apped for a Discover more aswell but was denied so I added 4 inqs to the report this month but was approved for 3 of the 4 so not a bad month. Still so happy to have joined into the Amex family can't wait til the card gets here.

Wallet:

Chase Freedom: $1000CL - up from $500 - $750 util. Going to pay it off over the next 2 months. Holidays and stuff, ya'know.

Amex Green: NPSL - $0 util. Don't even have the card yet

Walmart: $900 - $30 util. Going to PIF lol, just keeping it active - sock drawer it unless I am going to get something or take advantage of financing offers.

Best Buy: $1500 - $90 util. Macbook charger died - had to go get another, apped for this incase I had to replace my Macbook but it was just the charger. Going to PIF. Sock drawered unless going to get something or take advantage of financing offers.

Capital One: $750 - $0 util. Been stuck at $750 for 3 years now and I am beyond over Cap One, I called the EO and they gave me the same BS 'we are reviewing our policies for the future' so I am done with this company. I'll use this card for a sweet tea from MCD like once a month just to keep it active since I have no AF just keep it open since it's my oldest TL and don't want to affect my AoAA.

Right now I'm going to just garden for at minimum 6mos. I want to get my report as clear of inqs as possible. A lot are going to fall off this year and next so that's the main reason for entering garden. I want to get a Discover IT and after a while with AMEX I want a BCP. Then I want to pursue a car loan and then garden for atleast a year then after to prepare to buy a house. Main thing currently is I know I'm going to take a hit for the 2 new TLs and increased util from 10% to 20%~ish if my math is correct. Just gonna pay em on down and run a bit of heavy use on AMEX but always PIF of course to establish spending power and so on. That's about it for now.

Re: Garden Club Meeting - December 2012

it's been 3 months since I last apped, which means I'm 1/4 through my goal.

My scores did get in the 700 range, but unfortunately are presently close to where my sig states because my first car loan finally reported. Neverless, I'm glad to see after 6 months I should easily be able to get the mortgage rate I'm looking for on a new home.

My next goal is wait until this car is 6 months old, and app for a mortgage, and than get an all purpose credit card like an amex or visa sig.

Re: Garden Club Meeting - December 2012

Oh my...can't believe I am still here:-) It is day 227 since my last app. Dec started off well. I received an EQ scorewatch alert today that I received a 4 point increase in my score. I am sure it was a combination of the fact that my Amex account turned 1 year old, and inquiry dropped off completely and I officially reach the 5 year point for my AAOA. The latter probably made the most difference. Other than that, nothing to really report other than I am still here with my gloves on and firmly in the garden. We will see what the next few months hold and whether I will step out of here for something. You never know. Happy gardening to all!

Re: Garden Club Meeting - December 2012

tonyaether wrote:Oh my...can't believe I am still here:-) It is day 227 since my last app. Dec started off well. I received an EQ scorewatch alert today that I received a 4 point increase in my score. I am sure it was a combination of the fact that my Amex account turned 1 year old, and inquiry dropped off completely and I officially reach the 5 year point for my AAOA. The latter probably made the most difference. Other than that, nothing to really report other than I am still here with my gloves on and firmly in the garden. We will see what the next few months hold and whether I will step out of here for something. You never know. Happy gardening to all!

Gold spade looks very nice, and you're over half way to platinum. Scores are looking really good, too - awesome work, I say.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.